Courier Van Insurance
Specialist delivery van insurance to keep courier drivers on the move
- Great value cover for carriage of goods for hire and reward
- Tailor-made prices, and policies with leading UK insurers
- Free legal cover and flexible payment options
If you drive a van to deliver customers’ goods in return for payment, courier van insurance is a legal requirement.
Standard van insurance doesn’t give drivers the right cover for making deliveries; as a van courier, you face some unique risks that require a specialist policy, for example:
- You make frequent stops for drop-offs
- You do higher mileage
- Your vehicle could be more of a target to thieves because of the value of the goods you carry
- The pressure of meeting delivery deadlines can lead to driving habits that increase the risk of an accident
At Complete Cover Group, we work with leading UK insurers, carefully selected for the specialist cover and competitive rates that they offer to courier van drivers.
So, as well as getting great value cover, you’ll be able to get on with making deliveries, safe in the knowledge that your van is protected by a trustworthy and reputable company.
What is courier insurance?
Courier van insurance, also known as hire and reward van insurance, has many of the same elements as ordinary van insurance but with one key difference: courier van insurance covers you to do multiple daily trips to transport and deliver other people’s goods.
Does courier van insurance cover my customers’ goods?
No, the policy is designed to cover your van. To protect customers’ goods against damage, loss or theft while they’re in your vehicle, you’ll need to arrange Goods in Transit insurance.
Do I need courier or haulage insurance?
There’s a slight difference between couriers and hauliers which might determine what type of insurance you buy.
As a rule of thumb to help you decide which insurance is right for you:
- Couriers tend to make multiple deliveries during a single trip, transporting goods that belong to other people, usually within a localised area.
- Hauliers tend to make long-distance deliveries, usually to one destination, transporting goods belonging to a single customer.
Who is courier insurance for?
Courier insurance is for anyone who is paid to pick up and deliver goods which aren’t their own. A few examples are:
- parcel delivery companies
- furniture removers
- mail order delivery or food delivery services
- leaflet distributors
- self-employed owner drivers
- Larger courier companies with multiple vehicles
Tips to reduce the cost of courier van insurance
Cheapest isn’t always best, but small businesses could shave a bit off the costs with these tips:
- If you can, opt for a smaller, less expensive van in a lower insurance group
- Increase your voluntary excess
- Make your van more secure with alarms and trackers
- Where possible, limit insurance cover to named drivers only
The most important thing, whatever the cost, is to ensure that your policy helps you get back to business, with as little financial disruption as possible, if you need to make a claim.
Can I get hire and reward insurance for my car?
Yes. Complete Cover Group offers a range of third-party only, short-term policies for drivers who are using their cars for courier work, parcel delivery or fast-food delivery. If you’re using your car for part-time or temporary delivery work, you can renew the policy at the end of the 30-day cover period, or let it lapse.
Can I get a courier insurance quote for drivers under 25?
It’s possible, but some insurers have minimum age limits such as 21 or 25, so this might limit your choices. It might also make your courier insurance more expensive than for older drivers.
Select Additional Products
Motor Legal Protection provides up to £100,000 for legal expenses to help you recover any financial losses that may arise from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs, and recovering your excess.
You’ll also get assistance arranging a courtesy vehicle if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
| Benefits | Roadside Assistance | Motor Assistance UK Only | Motor Assistance UK & EU |
|---|---|---|---|
| Cost | £45.95 | £65.95 | £74.95 |
| Roadside Assistance – 10 Mile Limit | |||
| Misfuelling Cover | |||
| Roadside Assistance & Nationwide recover Service | |||
| Homecall | |||
| Alternative Travel or Accommodation | |||
| Message Relay | |||
| Alternative Driver | |||
| Accident Hospitalisation | |||
| European Cover |
Call us on 0800 997 8234 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £41.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
| TPF&T or Comprehensive | |
|---|---|
| Excess Covered | Cost |
| £350 | £41.95 |
| £500 | £51.95 |
| £750 | £67.95 |
| £1000 | £82.95 |
| £1500 | £108.95 |
Call us on 0800 997 8234 to add this to your cover.
With most comprehensive policies providing only a limited amount of personal accident cover, and third party, fire and theft policies rarely providing any at all, Personal Accident cover is a cost effective way to ensure that you and your passengers are provided for in the event of a death or serious injury.
Key benefits include:
- Payments of up to £30,000 EACH for the policy holder, named drivers and any passengers injured.
- Payments are made whether the claim is fault or non-fault.
- Cover is provided whilst travelling in, getting into and getting out of the insured vehicle, as well as injuries suffered as a result of assault or road rage.
- Payments will be made in addition to any other payout you receive from your motor insurance policy.
Only £29.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Make sure you’re not stuck if your van is off the road after an accident or theft.
Your insurance company may provide you with a courtesy vehicle if an accident wasn’t your fault, but if you have a fault claim or an accident where there is no third party to claim from, you are unlikely to be provided with a replacement van.
With Replacement Van cover you’ll be provided with a replacement vehicle for up to 21 days or money towards transportation costs, regardless of whether the claim was your fault or not
Only £44.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your van unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £42.95 for the year. Call us on 0800 997 8234 to add this to your cover.
As a tradesman, you’ve no doubt invested heavily on a range of tools that you rely on to do your job. Having to repair or replace those tools could not only cost you in the short term, but leave you unable to work.
Tools in Transit cover offers protection for your tools if they are lost, destroyed or damaged whilst they’re being transported in your vehicle, temporarily housed in it, or being loaded onto or unloaded off it.
With levels of cover between £500 and £5,000, we have options to suit a range of tool collections:
| Tools in Transit | |
|---|---|
| Level of Cover | Cost |
| £500 | £42.50 |
| £1000 | £56.95 |
| £2,500 | £79.95 |
| £5,000 | £99.50 |
Call us on 0800 997 8234 to add this to your cover.
Protect yourself against the costs that come with losing your keys.
Key Cover includes costs incurred through loss or theft of vehicle keys, including locksmith charges, new keys, van hire costs and reprogramming immobilisers.
Only £26.95 for the year. Call us on 0800 997 8234 to add this to your cover.
Complete Van Cover
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All levels of cover for all types of vehicles
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Affordable cover for van drivers with motoring convictions
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Partnerships with leading UK insurance companies
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Great value polices and affordable payment options available
